| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TMC INSURANCE GROUP3 | 1220 W 6TH ST CLEVELAND, OH 44113 | AETNA LIFE INSURANCE CO. | $4K | $27K | $30K | 2.13% |
| TMC INSURANCE GROUP3 | 1220 W 6TH ST CLEVELAND, OH 44113 | AETNA LIFE INSURANCE CO. | $0 | $5K | $5K | 0.35% |
| TMC INSURANCE GROUP3 | 1220 W 6TH ST CLEVELAND, OH 44113 | AETNA LIFE INSURANCE CO. | $0 | $2K | $2K | 0.14% |
| INSGROUP INC3 Filed as: TMC INSURANCE GROUP AGENCY INC | 1220 W 6TH ST STE 206 CLEVELAND, OH 441131327 | AMERITAS LIFE INSURANCE CORP. | $10K | $589 | $11K | 10.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TMC INSURANCE GROUP INSURANCE BROKER | Insurance agents and brokers Service code 22 | 1220 W 6TH ST CLEVELAND, OH 44113 | $47K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 279 | $1.4M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 440 | $104K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 440 | $104K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 279 | $1.4M |
| Other | AMERITAS LIFE INSURANCE CORP. | 440 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.